| Motorbike or motorcycle insurance is something | | | | them. Besides choosing on price you need to take |
| you legally have to have if you are riding a | | | | into account that different bike insurance quotes |
| motorbike on a public road. Alternatively you | | | | may or may not include extras. Examples are |
| obviously need moped insurance or scooter | | | | 'riding other bikes', enabling you to ride your |
| insurance if riding a scooter or moped! | | | | mate's bike, breakdown cover, legal assistance |
| The process of getting motorbike insurance is | | | | cover and whether you have equivalent cover to |
| seldom fun and can be a bit of a chore, but the | | | | ride abroad. Some motorbike insurance providers |
| way to make it more rewarding is by thinking | | | | include these as standard, others offer them as |
| that if you put in a bit of effort and do it | | | | optional extras. |
| properly, the right motorcycle insurance policy will | | | | Type of cover and excess |
| save you a stack of cash. | | | | You will need to make a choice as to what type |
| Getting a Quote | | | | of cover you want. Comprehensive is not always |
| You will need to start by deciding which providers | | | | as expensive as you might expect but can come |
| of motorbike insurance you will get a quote from, | | | | with a high excess. Third Party Fire and Theft is |
| how you will find them and how many bike | | | | worth considering if your bike is a few years old |
| insurance quotes you are going to get. Generally | | | | and Third Party Only if it is worth less than 1000 |
| around half a dozen motorcycle insurance quotes | | | | pounds as the excess starts to become a |
| should be enough, and the other decision you | | | | significant proportion of the bike's value. |
| need to make is do you use the internet or the | | | | The excess is the amount deducted from the |
| telephone (or both). | | | | payment of any claim that you make - it is the |
| The most popular way of obtaining the quotes is | | | | amount that you have to pay. |
| to use the web to get quotes initially and then | | | | Calling the Provider |
| follow up with a phone call to the two or three | | | | So you have your shortlist. You now need to |
| bike insurance quotes you favour. The web is also | | | | confirm all the details of your motorbike insurance |
| a good way of choosing who to contact in the | | | | quote over the phone with them, both the cost |
| first place; simply google / motorbike insurance / | | | | and what benefits are included in the price; |
| bike insurance / motorcycle insurance / moped | | | | occasionally the price given over the internet |
| insurance / scooter insurance, or another search | | | | mysteriously increases when you ring through. |
| engine of your choice, and you will have no end | | | | Choosing your Motorcycle Insurance Provider |
| of bike insurance providers to click through to. | | | | Having confirmed all the details and spoken to all |
| Click through to about six in turn (the exact figure | | | | on your shortlist you now need to make a final |
| you choose is up to you). The boring bit is you will | | | | choice. |
| have to fill different motorcycle insurance quote | | | | The most sensible criteria to use are: |
| forms in each time, asking the same information. | | | | (i) Price (obviously!) |
| Remember to be prepared and have any | | | | (ii) What benefits are included |
| information you need to hand as in order to | | | | (iii) How they came across when you spoke to |
| provide you with an accurate motorbike insurance | | | | them? How experienced/professional did they |
| quote various items are required - details of any | | | | come across and what sort of attitude did they |
| convictions you have, any accidents or claims, | | | | have? Did they inspire confidence? |
| how much no claims bonus etc etc. All of these | | | | Clearly how you weigh up these three criteria is |
| things affect motorbike insurance premiums but | | | | up to you, as is the final decision! |
| can be found on your driving licence or existing | | | | Conclusion |
| policy documents. | | | | Finding a motorbike insurance provider is an |
| What's included in the motorcycle insurance quote | | | | important though unfortunately an unexciting task. |
| - other benefits. | | | | If you apply a method to it as described above |
| Once you have got the number of quotes, make | | | | then you can be confident that you have done it |
| a short list of, say, three, providers to call but | | | | properly and made an informed and correct |
| you need to decide how you are going to choose | | | | choice. |